Deferred payments become profitable
Fintech company has developed a mobile application for innovative payment
Over the past year, card payments have become especially popular even among people who prefer to pay in cash. Experts expect this trend to continue to a large extent after the end of the Covid-19 pandemic. This fact motivates many companies to upgrade digital payments — so today it is no longer exotic to pay by phone or even watch.
Super Cool, however, is to pay in installments and it doesn’t cost us anything on top.
Recently, a new mobile application vnoska.bg appeared on the market with an interest-free card for deferred payment “Vnoska”. The innovation was created by the fintech company Solvy Europe Ltd, in partnership with Raiffeisenbank Bulgaria.
Up to 12 months without interest
Through the mobile application and the card, the customers of “Vnoska” can shop with a “clear” conscience that they do not burden their monthly budget with a large amount. “Vnoska” allows its customers to shop by paying in instalments, while the merchant receives full payment immediately. Payments are secured by free loans, which can be repaid in fixed monthly installments and with 0% interest. The maximum period in which the amount must be paid in 12 months.
The credit limit card is determined by Raiffeisenbank and is tailored to the individual capabilities of the client, which guarantees financial stability. Another convenience is that you do not have to wait for approval from the bank for the purchase. There will be no down payment or interest, so there is no need to pay extra for personal finance management.
At the same time, cashless payments allow for much better traceability of expenses.
For this purpose, “Vnoska” groups the upcoming payments to each of its clients on a monthly basis, so that they do not worry about missing them.
It is important to note that the application can only be used in stores that are registered as partners of “Vnoska”. With the card, for example, we cannot withdraw money from an ATM or pay at a POS terminal outside the partner network, so there is little or no room for error.
And who are the members of the “Vnoska Club”?
There are already over 300 online and offline stores among the interest-free shopping stores. Every week more and more stores join the “Vnoska” network.
Mobile application vnoska.bg always maintains an up-to-date list of current merchants — partners. Among them are Sport Vision, Buzz, Dress4Less, Flair, Kolev and Kolev, Andrews, Welhome, Za-za, Notino, Answear, Kinderland, Farfetch, Gearbest, and many others.
The application offers a variety of features. Customers can keep track of all their previous payments, upcoming installments, and spending habits. The application also serves various other purposes. You can learn, for example, everything about the latest sales in your favorite stores, so if there is a mega sale or an open day you will be the first to know.
It seems profitable and so it is
The platform is funded by a small percentage of sales made. In return, it helps retailers reach new customers. For this purpose, a specially developed algorithm assesses which potential customers to display notices and advertisements in stores based on customer interests. This service can be used by both online and physical stores.
Fast and free
The “Vnoska” card is issued for a short period of time and free of charge. For this to happen, you need to download the Vnoska mobile application from the Apple AppStore or Google Play or apply for the vnoska.bg card.
Source Dir.bg: Купи сега, плати по-късно и без лихва
